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Hello, I know someone who has 6 months to go before retirement (not me I still have 20 years :( ). Anyways this person has some funds to supplement retirement. Currently these funds are 100% in loaded mutual funds and stocks, none are tax deferred. My suggested idea is a two phased attack:
1. To put a chunk of these funds into a safe (i know fools hate this idea) low yield bond fund to pay for the first 8 or so years of supplemental monthly payments.
2 Meanwhile, is there a way to stick the rest (lump sum)in a tax deferred account so that it could continue compoundiing tax free, waiting to be harvested in 8 or so years to fund the remaining desired supplemental monthly payments??

I have played with the numbers in Excel and it looks great on paper but how can one (or can one) re-arrange funds from mutual funds / stocks into Bond Fund / Tax deferred Stock Fund ??

I know the Roth only allows 2K / year but are there other tax deferred vehicles that fit the bill here? THanks for any help out there. BTW is it odd that none of these funds are in any tax deferred accounts as they are managed by a broker at one of the well known firms...?
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